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Mini Cooper insurance rates

Average Mini Cooper insurance cost: $152. But how low can your rates go? See our sample quotes.

Top car insurers for MINI Cooper Compare companies
How much does insurance cost?See sample rates

The average cost of car insurance for a 2021 Mini Cooper is $152.30 a month —or $1,827.57 a year. However, your actual costs depend on your driving history, car model, location and other factors.

Filter car insurance companies by states served, roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Mini Cooper insurance rates

We pulled Mini Cooper car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Mini Cooper is $152.30. However, an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Mini Cooper$94.74$89.82$150.16$147.92$120.66
2016 Mini Cooper$122.41$106.02$170.10$162.97$140.38
2021 Mini Cooper$103.74$125.61$191.74$188.10$152.30

How we got these rates

Our rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Compare car insurance quotes

Enter your ZIP code below and click Compare to see the cheapest rates in your area.

About the Mini Cooper

The Mini Cooper has been around since 1961. The subcompact car is known for its sporty handling, turbocharged engines and upscale interior. In 2003, the Mini Cooper was named the North American Car of the Year. In 2012, there were more than 300,000 Mini cars sold throughout the world and the largest market was the United States, which had more than 66,000 sales. Today, there are over 100 Mini dealerships scattered across the US and four unique Mini financing and leasing programs to help get you behind the wheel.

Mini Cooper money-saving safety features

You could save money on car insurance for your MINI Cooper if it comes equipped with these safety features.

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system

Special savings with Liberty Mutual

Since Mini currently has a partnership with Liberty Mutual, you may be able to get special savings on your premium and additional coverage options, such as:

  • Genuine Mini replacement parts
  • Towing back to the nearest Mini dealership
  • Accident forgiveness
  • 24-hour claims service

How safe is the MINI Cooper?

The 2017 Mini Cooper was named a Top Safety Pick car by the Insurance Institute for Highway Safety (IIHS). The IIHS gave good ratings, highest possible rating, to all crash tests. The National Highway Traffic Safety Administration (NHTSA) awarded the Mini Cooper with a 4-Star Overall Safety Rating. The NHTSA gave four stars, out of five, for all crash tests performed on the MINI Cooper.

In 2017, the National Insurance Crime Bureau ranked the Mini Cooper as number nine in their list of the Top 10 Least Stolen Used Cars.

How does the Mini Cooper compare to other car models?

From a price standpoint, the MINI Cooper ranks right in the middle of our list of the 360 priciest car models to insure.

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